壽險業發展財富管理業務之關鍵因素

Key Factors to Develop Wealth Management Business in Insurance Industry

廖一聰(I-Tsung Liao)

指導教授 ： 黃宜侯

元智大學/管理學院/管理碩士在職專班/碩士(2012年)

摘要

財富管理業務自2000年以來，即成為我國一般社會大眾最感興趣的話題，同樣的也是金融業最熱門的業務。十幾年來，為因應金融市場的瞬息萬變及業者需求，主管機關亦多次修法，驥盼這項新業務為金融機構帶來商機，開創無風險業務收入之餘，也能夠為普羅大眾帶來財富，並減少期間所產生的糾紛與衝突。
我國銀行業、證券業及壽險業為金融業三大領域，雖同屬我國金融業最高行政主管機關行政院金融監督管理委員會（金管會）所管轄，但各自命運與發展卻大不相同！以財富管理業務而論，銀行業雖是最早為金管會核准辦理此項業務之金融機構，但證券業及壽險業也都在一年內，相繼為金管會核准得以辦理財富管理業務；但由於後續各項法令的修改與配套進展於各業不同，造成現今銀行業、證券業及壽險業在財富管理業務上有極大的懸殊。
本研究從現今銀行業及證券業發展財富管理業務的過程與現況，探討壽險業目前發展財富管理業務可能遇到的法令限制與困境，及其未來欲成功發展財富管理業務的關鍵因素；最後，以目前實務上在壽險從業人員規劃運用的兩個財富管理個案，分析壽險業可能的市場利基；並對主管機關、壽險業者及投資人提出建言。

關鍵字

財富管理 ； 壽險業 ； 信託

並列摘要

Wealth management business since 2000, become the most interested in the topic of the general public in Taiwan, the same financial industry's most popular business. Over the past decade, the response to the rapidly changing financial markets and industry demand, the competent authority has also repeatedly amending the law, hope the new business opportunities for financial institutions, creating a risk-free business income, I also brought wealth to the general public , and reduce the period arising from disputes and conflicts.
Taiwan 's banking, securities and life insurance in the three areas of the financial industry, although both belong to Taiwan's financial industry, the highest administrative authorities, Financial Supervisory Commission Executive (FSC) under the jurisdiction of their own destiny and development is very different! In terms of wealth management business, banking is the first approved for the FSC handling the operation of financial institutions, securities and life insurance within a year, one after another for the FSC approved able to handle the wealth management business; but because of follow-up of the Act to modify and supporting progress in the various industry, resulting in today's banking, securities and life insurance industry have a great disparity in the wealth management business.
This study explore the statute of limitations and the plight of the life insurance industry is the development of wealth management business that may be encountered from the process and current status of today's wealth management business of banking and securities industries, the key factor in its future For the successful development of the wealth management business;wealth management practice in the life insurance practitioners planning to use two cases, the analysis of the life insurance industry may market niche; and competent authorities, life insurers and investment suggestions.

並列關鍵字

Wealth Management ； Insurance ； Ttust

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